Out of house contents insurance claim rejected.

_Andy_

Not sure why you think the Ombudsman is going to help - the policy clearly didn't cover you for that scenario.
The insurer isn't in the wrong and all you'll be doing by going through the Ombudsman is wasting your time and theirs, clogging up the system with a nonsense complaint whilst genuine ones are held up.

Aretnap

It's not really a case of what the insurance company think you should have done differently, but what your insurers have agreed to cover. They've agreed to cover valuables locked in a car boot. They haven't agreed to cover valuables left (more or less) on display in the footwell. Maybe you didn't have much choice but to leave them in the footwell on that situation, but that doesn't mean the insurer is obliged to cover them. It's not their job to compensate you for every bad thing that might possibly happen to you, it's their job to compensate you for the specific things they've agreed to cover in the policy.

dunstonh

Not sure why you think the Ombudsman is going to help - the policy clearly didn't cover you for that scenario.

The insurer will have to decide whether its cheaper to settle the claim or suffer the FOS fee and other costs that exist when dealing with a complaint.

So, whilst the OP does not appear to have a case (depending on the wording in the policy doc), they may still succeed by blackmailing the insurer.

LutonGirl

I had my cameras and case stolen out of my locked boot whilst on a camping holiday in France. My insurer, in this case, my travel insurer, wasn't going to pay because it was left in the car! I argued that it was safer locked in the boot of a car than left inside a tent and eventually they paid up. You might have to argue your point but surely it's worth a go.

TP72

_Andy_ wrote: »

Not sure why you think the Ombudsman is going to help - the policy clearly didn't cover you for that scenario.
The insurer isn't in the wrong and all you'll be doing by going through the Ombudsman is wasting your time and theirs, clogging up the system with a nonsense complaint whilst genuine ones are held up.

I dont think I'm wasting anyones time and neither do the Ombudsman, spoke to them today and they say from what I've told them I have a valid reason to complain. Thanks for your comments though...:rotfl:

TP72

Aretnap wrote: »

It's not really a case of what the insurance company think you should have done differently, but what your insurers have agreed to cover. They've agreed to cover valuables locked in a car boot. They haven't agreed to cover valuables left (more or less) on display in the footwell. Maybe you didn't have much choice but to leave them in the footwell on that situation, but that doesn't mean the insurer is obliged to cover them. It's not their job to compensate you for every bad thing that might possibly happen to you, it's their job to compensate you for the specific things they've agreed to cover in the policy.

Im just trying to point out to them that their policy is a bit too black and white. They cant say must be locked in a boot if there isn't a boot to lock it in, you also cant be expected to carry everything of value with you when on holiday.

The bag wasn't on display, it was hidden in the footwell behind the drivers seat and the seat was back and the bag was covered, you'd have to get into the car to find it. My argument is, if was covered in the boot it would have been more noticeable than where I did leave it.

Thanks for your input.

TP72

LutonGirl wrote: »

I had my cameras and case stolen out of my locked boot whilst on a camping holiday in France. My insurer, in this case, my travel insurer, wasn't going to pay because it was left in the car! I argued that it was safer locked in the boot of a car than left inside a tent and eventually they paid up. You might have to argue your point but surely it's worth a go.

Thats great news.

_Andy_

" They cant say must be locked in a boot if there isn't a boot to lock it in"

yes, yes they can. It was your choice to leave it there and your risk to take, given it wasn't covered. The insurance company are not at fault here, you are.

dunstonh

TP72 wrote: »

I dont think I'm wasting anyones time and neither do the Ombudsman, spoke to them today and they say from what I've told them I have a valid reason to complain. Thanks for your comments though...:rotfl:

The FOS telephone staff say that to everyone that rings. It is their standard text. They are not trained or qualified to review complaints.

Faith177

TP72 wrote: »

I dont think I'm wasting anyones time and neither do the Ombudsman, spoke to them today and they say from what I've told them I have a valid reason to complain. Thanks for your comments though...:rotfl:

I use to work for the FOS (ombudsman) they are not allowed to reject a complaint in relation to a claim.

Also we were never meant to say if the complainant had a valid reason to complain as only an adjudicator could make that decision.

They will give the insurance 8 weeks to deal with your complaint before taking any further action